If you get sick and don’t have health insurance, you must pay for all your care yourself. This can include:
- Doctor visits, which often cost $100 or more
- Hospital visits, which can cost thousands
- Medicines, which can also cost thousands, depending on the prescription
You may be asked to pay up front or receive a large bill later, which can be a heavy burden.
Here are some ways to reduce your costs if you end up in a situation where you can’t pay immediately and don’t have health insurance.
- Go to a Community Health Center: These clinics offer care based on what you can pay. You can still get treated, even if you have little or no money. To find a clinic near you, visit https://findahealthcenter.hrsa.gov
- Ask for a Payment Plan: Most clinics and hospitals will let you pay small amounts over time instead of all at once. Always ask! If you have a true emergency, hospital emergency rooms must treat you, even if you don’t have a way to pay up front.
- Apply for Arkansas Medicaid: You may qualify for free or low-cost insurance if you have a low income, are pregnant, disabled, or have children. Apply online at https://access.arkansas.gov or call 1-855-372-1084.
- Look for Prescription Help: Some pharmacies and drug companies offer discounts or free medicine. Ask your doctor or pharmacist what’s available.
- Talk to the Billing Office: It’s okay to ask for a discount or financial help. Be honest about your situation. Many places are willing to work with you.
Why Health Insurance Is So Important
Having health insurance helps you:
- Get checkups to stay healthy, which can keep your health costs in check
- Pay less for doctor visits and medicine
- Avoid big bills if you get very sick or hurt
Even if you think you can’t afford it, you may qualify for help through state programs or the Health Insurance Marketplace.
We Can Help
Finding health insurance that fits your needs can be overwhelming. Let us help take something off your plate by guiding you down the InsideTrack to the best health insurance options for you.
To connect with our team of health insurance experts, call 800-392-2583 or visit an ArkansasBlue Welcome Center near you.
Final Thoughts
Getting sick without insurance is tough, but help is out there. Visit community clinics, ask questions, and apply for programs that can make care more affordable.
Most of all, try to get health insurance if you can. It can protect your health and your money in the long run.